Research On The Countermeasures Of Internet Fraud Crime Detection And Prevention By Using Third-Party Payment Platform

Third-party payment platform is one of the financial innovation tools in the emerging network economy.The rapid development of third-party payment platform not only brings economic benefits,but also breeds the crime of using this platform to implement network fraud.By introducing the concepts and types of third-party payment,third-party payment platforms and network fraud crimes using third-party payment platforms,this paper further analyses the problems that the traditional channels are not enough to deal with crimes,as well as the difficulty of collecting evidence and fixing evidence,and the imperfect anti-fraud investigation platforms in the investigation of network fraud crimes using third-party payment platforms.Through the empirical study of 109 judicial documents,it is not difficult to find that the crime rate in this way is increasing year by year,and the means of crime are constantly changing.Moreover,crime is becoming more and more large-scale,gang crime,clear and specific division of labor.Different from ordinary fraud crimes,network fraud using third-party payment platform requires certain technical means.In addition,the target of fraud is becoming more and more diverse.The property involved is no longer limited to deposits,funds and other currencies.Many of the fraudulent objects are virtual currencies such as Bitcoin and Q coin.The crime of network fraud using third-party payment platform often violates many charges.In a case of using third-party payment platform to implement network fraud,criminals are not only guilty of fraud,but also,in most cases,related crimes such as infringing on citizens' personal identity and information,illegal use of information network and so on.Applying the third party payment platform to implement the formation mechanism of network fraud crime,namely the new opportunity theory.It can be seen that the three sub-theories of rational choice theory,crime mode theory and daily life theory play an important role in criminal activities.Criminals form criminal intentions and commit crimes by measuring the relevant elements of the three theories.Combined with the relevant regulations on third-party payment platform promulgated in our country at present,it exposes such problems as the lack of internal management system of third-party payment platform,the absence of external monitoring,and the absence of core legal relationship.In this regard,we should improve the detection and prevention mechanism of network fraud crime using third-party payment platform from two aspects of investigation countermeasures andprevention countermeasures.In the aspect of investigative countermeasures,we should innovate investigative channels,implement the "three investigative" model,update anti-fraud platform and improve the investigative ability and level.In terms of preventive countermeasures,we can prevent the use of third-party payment platform to carry out network fraud by improving the cost and difficulty of crime,building a safe and stable payment environment,hardware and software measures.At the same time,drawing lessons from the western countries on the third-party payment platform regulatory model and the relevant rules of network fraud crime,supplement the third-party payment platform laws and regulations of our country.